Your Driving Profile

How do demographics and other factors impact car insurance rates?

How does your driving profile impact car insurance rates?

Who you are as a driver has a major impact on what you pay for car insurance. Your age, your credit score, and your driving record, are all taken into consideration by insurance companies when they price premiums. Let’s review the core aspects of your driving profile and how they impact your car insurance.

 

Age

Your age is one way your insurance company assesses your driving experience. Younger drivers, especially teenage drivers, are statistically more likely to take risks behind the wheel and cause an accident. On average, teen drivers pay 302% more for car insurance than do drivers in their 50s, with all other metrics constant.

If you’re interested in more information on car insurance and age, see our related content below:

Teen Drivers Young DriversMature Drivers
Car Insurance for 16-year-oldsCar Insurance for 20-year-oldsCar Insurance for 30-year-olds
Car Insurance for 17-year-oldsCar Insurance for 21-year-oldsCar Insurance for 40-year-olds
Car Insurance for 18-year-oldsCar Insurance for 22-year-oldsCar Insurance for 50-year-olds
Car Insurance for 19-year-oldsCar Insurance for 23-year-oldsCar Insurance for 60-year-olds
Car Insurance for TeensCar Insurance for 24-year-oldsCheap Car Insurance for Seniors
Car Insurance for Young Male DriversCar Insurance for 25-year-oldsCar Insurance with Kids
 Car Insurance for Young AdultsCar Insurance for Families

 

Credit score

In nearly every US state, credit score is used as a major rating factor to determine your car insurance rates. According to the Federal Trade Commission, drivers with low credit file more expensive — and more frequent — claims. Thus, they’re more expensive and risky customers.

Our data, which can be explored in greater depth below, shows drivers with poor credit (350-500) pay almost $1,200 more per year for car insurance than do drivers with excellent credit. 

 

Driving record

Your driving history helps insurers understand the kind of driver you will be in the future. A history of claims, speeding tickets, or other citations will drastically raise your premium. On average, a driver who has been responsible for an at-fault crash pays $617 more per year than a driver without a collision on their record. For more information on your driving record impacts on your premium, see our related articles below.

 

Aside from age, credit score, and driving record, other demographic qualities impact car insurance rates. Below are articles that explore this.

 

EducationFinancial StatusMilitary
Car Insurance for StudentsCar Insurance for Low-Income FamiliesArmy Personnel
Car Insurance for GraduatesCar Insurance after ForeclosureNational Guard
Car Insurance with a GEDCar Insurance after Bankruptcy Marines
  Coast Guard
  Navy
  Veterans

 

PersonalOccupationMartial Status
Car Insurance for Foreign DriversCar Insurance for TeachersCar Insurance for Married Couples
Car Insurance for Ex-PatsCar Insurance for NursesCar Insurance for Unmarried Couples
Car Insurance for WomenCar Insurance for PoliceCar Insurance for Same-Sex Couples
Car Insurance for MenCar Insurance for FirefightersCar Insurance for Divorced Couples
Gender-Neutral Car InsuranceCar Insurance for EMTCar Insurance for Families
Car Insurance: Men vs WomenCar Insurance for First RespondersCar Insurance for Separated Couples
Car Insurance for RoommatesCar Insurance for DoctorsCar Insurance for Single Parents
Car Insurance for Drivers with DisabilitiesCar Insurance for Government EmployeesCar Insurance for Newly Married Couples
 Car Insurance for PharmacistsMarried vs. Single Car Insurance
 Car Insurance for Medical Professionals 
 Car Insurance for Unemployed Drivers 
 Car Insurance for Nannies 
 Car Insurance for Self Employed Drivers 
 Car Insurance for Uber Drivers 
 Car Insurance for Lyft Drivers